Guide
An EIN alone does not qualify a business. Underwriting reads the personal FICO of the 50%+ owner alongside the bank statements.
✓ Checking what you qualify for does not affect your credit score.
Most offers marketed that way are credit-builder products, secured cards or vendor trade lines — useful for building a business credit file, but not capital.
Genuine EIN-only lending at meaningful size generally requires substantial revenue history and collateral.
The personal score of the majority owner, and three months of business bank statements.
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
A DUNS number is free, and paying reporting trade lines on time builds a PAYDEX score. It changes what you can get in two years, not this month.
Not here. The personal score of the 50%+ owner is read alongside the statements.
Personal FICO is what the tiers reference.
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
